Partner Verification & State Regulatory Resources

Before engaging with any mortgage professional, always verify their licensing status through NMLS Consumer Access. This is a free, public database of all federally registered and state-licensed mortgage professionals.

NMLS Consumer Access is operated by the Conference of State Bank Supervisors (CSBS) and the American Association of Residential Mortgage Regulators (AARMR). It is the official database of mortgage licensee information.

Some partners on RatesQ may be designated as "Marketplace Verified." This designation means RatesQ has performed a limited operational review of certain information submitted by the partner, which may include publicly available licensing information, business information, and platform eligibility requirements. Marketplace Verification is not an endorsement, recommendation, guarantee, certification, or representation regarding any partner's licensing status, service quality, or legal compliance. Always verify independently through NMLS Consumer Access.

The table below lists the primary mortgage regulatory agency for each U.S. state and the District of Columbia. If you have a complaint about a mortgage professional, contact your state regulator directly.

• Consumer Financial Protection Bureau (CFPB) — File a mortgage complaint or get consumer resources
• HUD Housing Counselors — Free or low-cost mortgage and housing counseling
• NMLS Consumer Access — Verify any mortgage professional's license
• Federal Trade Commission (FTC) — Mortgage fraud resources and complaint filing
• HUD Office of Fair Housing and Equal Opportunity — Fair lending complaints